Violent storms can come out of nowhere in Australia, leaving a trail of damage and destruction. The safety net of having insurances, which suit you and your situation, can take the stress out of dealing with the aftermath of severe weather events.
Early prep is another way to make sure you're on the front foot when nature throws a wobbly. If you have an emergency plan and have been able to get some ‘getting ready’ work done around your home, you may be able to reduce the damage to your possessions and life that events like bushfires, floods, cyclones, hailstorms, etc., can cause.
Westpac’s Getting Prepared for natural disaster has tips, resources and checklists you might want to explore for ideas. There are also insurance calculators to check your covered and that you have the right level of insurance for you and your home.
There are two areas of information in Getting Prepared: articles and checklists covering different severe weather events and how you can prepare your property and family for them. This area also includes an emergency checklist: prompting you to think about best routes of escape; your pets and where they fit in your plan; what to put in your first-aid box, including personal identification documents; what important contact numbers and information sources for emergencies you’ll need at your fingertips, and much, much more.
The second area deals with insurance, including interactive calculators to determine whether you have the right insurance and that your cover is at a level that will meet your needs if something does happen. There's also a video about one woman's experience of the Townsville floods and the peace of mind being insured brought her.
One of the most common insurance claims is for water damage. It can happen both inside and outside your home. Maintaining your property and possessions is important. If your property or belongings aren’t in good shape, you may find your insurance won’t cover you for the damage. Here’s an article on preventing water damage and why it's important. There are simple steps you can take, such as checking that taps and hoses to your water-using appliances are in good condition or checking your roof routinely for broken tiles or holes.
Being prepared - whether it’s for those times when the lights might go out, or something less dramatic - can save you heartache.